About Us

Vivian P. Gallo, CLU, CSA, AEP, CLTC

As a specialist in long term care planning, Vivian Gallo has been educating people about the importance of planning for long term care since 1996. She also has more than 30 years experience in accident and health insurance and brings her clients extensive knowledge in contracts and claims.

Vivian is a Chartered Life Underwriter (CLU), a Certified Senior Advisor (CSA), and an Accredited Estate Planner (AEP). In a further effort to help her clients understand the importance of long term care planning as an essential part of the estate planning process, she has also earned designation as Certified in Long Term Care (CLTC).

As the founder of CHOICES For Long Term Care Insurance, Vivian puts her comprehensive experience to work addressing long term care planning, which she sees as a key element in estate planning.


The principle is not new.  
As Ben Franklin said: “If you fail to plan, you are planning to fail”.


Most people find the subject of long term care planning bewildering. Early on, we saw that understanding how to protect families against the emotional, physical and financial impact of long term care would become a critical need.

Preserving one’s independence, dignity and quality of life is a highly personal and emotional issue.  CHOICES offers the professional guidance and planning required to make sure you are prepared if the need for ever arises.

At CHOICES, we work with both individuals and businesses in understanding and defining their unique long term care needs. We help you select the most appropriate coverage that will provide appropriate benefits when the time comes.  And we “go to bat” for you, serving as your advocate if the carrier you choose finds reasons not to cover you or doesn’t provide the coverage to which you are entitled.

At CHOICES For Long Term Care Insurance:

  • We specialize in long term care planning – it is our ONLY business.
  • As independent brokers, we work on your behalf with all major carriers
  • We assist you in understanding and planning for the future
  • We help you choose the coverage that will best meet your needs and budget.

Click here to contact us today!

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